| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE COURY FIRM LLC3 Filed as: COURY INVESTMENT ADVISORS INC | US STEEL TOWER, SUITE 3040 600 GRANT STREET PITTSBURGH, PA 15219 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 0.51% |
| THE COURY FIRM LLC3 Filed as: COURY INVESTMENT ADVISORS INC | US STEEL TOWER, SUITE 3040 600 GRANT STREET PITTSBURGH, PA 15219 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 0.27% |
| THE COURY FIRM LLC3 Filed as: COURY INVESTMENT ADVISORS INC | US STEEL TOWER, SUITE 3040 600 GRANT STREET PITTSBURGH, PA 15219 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 0.80% |
| THE COURY FIRM LLC3 Filed as: COURY INVESTMENT ADVISORS INC | US STEEL TOWER, SUITE 3040 600 GRANT STREET PITTSBURGH, PA 15219 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 3.94% |
| THE COURY FIRM LLC3 Filed as: COURY INVESTMENT ADVISORS INC | US STEEL TOWER, SUITE 3040 600 GRANT STREET PITTSBURGH, PA 15219 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 3.88% |
| AON CONSULTING INC3 Filed as: HEWITT INSURANCE, INC. | 125 JOHN W MORROW JR PKWY GAINESVILLE, GA 30501 | TRIPLE-S VIDA, INC. | $8K | — | $8K | 15.00% |
| THE COURY FIRM LLC3 Filed as: COURY FINANCIAL GROUP LP | US STEEL TOWER, SUITE 3040 600 GRANT STREET PITTSBURGH, PA 15219 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 8.00% |
| AON CONSULTING INC3 Filed as: AON RISK SOLUTIONS OF PR, INC. | PO BOX 191229 SAN JUAN, PR 009191229 | MULTINATIONAL LIFE INSURANCE COMPANY | $124 | — | $124 | 17.46% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 6,357 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 2 | $15K |
| Life insurance(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 6,081 | $1.8M |
| Short-term disability(3 contracts, 3 carriers) | TRIPLE-S VIDA, INC. | 478 | $59K |
| Long-term disability(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 6,077 | $1.7M |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 6,081 | $329K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,081 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.